United Poles Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 9.1 percent and a “hot money” ratio of 14.9 percent. Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 7.6.
Asset Mix:
Home mtgs (45%), consumer loans (21%), securities (6%), other (28%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
412 New Brunswick Avenue
Perth Amboy, NJ 08861
Perth Amboy, NJ 08861
Phone Number
(732) 442-5648
NCUA Charter Number
Website
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